CHAFFEY
Charter #16030 · Upland, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.79% sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of -0.11% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 2.98% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 1.65% sits at the 87th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.31% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CHAFFEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $229.06M | 59th pct | 56th pct |
| Members | 11,786 | 43th pct | 34th pct |
| Net worth ratio | 7.79% | 2th pct | 8th pct |
| Return on average assets | -0.11% | 6th pct | 10th pct |
| Net interest margin | 2.98% | 14th pct | 16th pct |
| Cost of funds | 1.65% | 74th pct | 87th pct |
| Loan-to-share | 59.45% | 26th pct | 36th pct |
| Delinquency 60+ days | 0.31% | 23th pct | 25th pct |
| Net charge-off ratio | -0.01% | 3th pct | 3th pct |
| Loan growth YoY | -0.18% | 46th pct | 48th pct |
| Share growth YoY | 4.60% | 66th pct | 80th pct |
| Efficiency ratio | 88.35% | 81th pct | 74th pct |
structural peer set hash: b680d1f73af57873dca00061c9ddae4a… (reproducible)
Closest structural peers
This is the free public view
Claim CHAFFEY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.